Your hometown savings account
Straightforward growth, low opening minimums, and deposits that stay right here in Winter Park.
Every great financial journey starts with a solid foundation.
At Commerce Bank & Trust, we believe a savings account shouldn’t be complicated. It should be a secure, reliable engine for your future goals, whether that means building a down payment for a home, securing a rainy-day fund or teaching the next generation the value of a dollar.
We keep your growth straightforward, your funds accessible and your capital right here within the community we love.
Choose Your Savings Foundation
Two distinct paths, built for your household's goals
Our flagship account
Personal Savings Account
Built for everyday growth and peace of mind.
- Accessible entryStart saving today with a low $100 minimum opening deposit.
- Interest growthInterest is compounded daily, credited quarterly and paid on your collected balance, with no minimum balance required to earn interest.
- Easy fee avoidanceThere is a modest $2 monthly maintenance fee, which you can avoid by keeping a $250 minimum daily collected balance or a $500 average collected balance.
- Full accessIncludes free Internet Banking and an imaged quarterly bank statement.
For our youngest savers
Youth Savings Account
It is never too early to start planning for the future. Designed for young savers in Winter Park, this account helps children build lifelong financial habits under the guidance of family.
- Low thresholdOpen an account with just a $50 minimum deposit. Requires joint account ownership with a parent or legal guardian, and does not qualify for our relationship banking packages.
- Zero monthly feesKeep savings focused entirely on growth with no monthly maintenance fees.
- Daily compoundingJust like our adult accounts, interest compounds daily, credits quarterly and has no minimum balance required to earn interest.
- Full accessIncludes free Internet Banking and an imaged quarterly bank statement so your family can track progress together.
Savings Options at a Glance
Side by side
The power of local banking
At Commerce Bank & Trust, we keep your capital right here at home. When you bank locally, you actively strengthen the community you live in.